Call reports 2002
FIRST CITY BANK — 2002
What FIRST CITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 151,344,000 | 180,721,000 | 185,970,000 | 183,602,000 |
| Total loans | 80,704,000 | 88,692,000 | 93,454,000 | 99,520,000 |
| Allowance for loan losses | 933,000 | 978,000 | 1,049,000 | 1,174,000 |
| Securities available for sale | 60,803,000 | 67,557,000 | 67,861,000 | 69,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,666,000 | 169,677,000 | 169,165,000 | 170,646,000 |
| Interest-bearing deposits | 121,424,000 | 146,556,000 | 148,672,000 | 148,723,000 |
| Noninterest-bearing deposits | 19,242,000 | 23,121,000 | 20,493,000 | 21,923,000 |
| Equity capital | 9,981,000 | 10,521,000 | 11,577,000 | 12,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,382,000 | 4,869,000 | 7,415,000 | 9,952,000 |
| Interest expense | 1,000,000 | 2,088,000 | 3,148,000 | 4,155,000 |
| Net interest income | 1,382,000 | 2,781,000 | 4,267,000 | 5,797,000 |
| Noninterest income | 100,000 | 209,000 | 305,000 | 380,000 |
| Noninterest expense | 1,021,000 | 2,068,000 | 3,218,000 | 4,325,000 |
| Provision for loan losses | 35,000 | 81,000 | 196,000 | 321,000 |
| Pretax income | 451,000 | -140,000 | 355,000 | 775,000 |
| Income tax | 144,000 | -42,000 | 106,000 | 116,000 |
| Net income | 307,000 | -98,000 | 249,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,524,000 | 11,115,000 | 11,415,000 | 11,781,000 |
| Total capital | 12,457,000 | 12,094,000 | 12,471,000 | 12,961,000 |
| Risk-weighted assets | 113,677,000 | 122,551,000 | 114,197,000 | 118,288,000 |